Legislation

* Section 12--103. Relation to Article 9 and Consumer Laws.

(a) Article 9 governs in case of conflict. If there is conflict
between this article and Article 9, Article 9 governs.

(b) Applicable consumer law and other laws. A transaction subject to
this article is subject to any applicable rule of law that establishes a
different rule for consumers, including Article 22-A of the General
Business Law and chapter 5 of title 20 of the New York City
Administrative Code.

(c) Enforceability or effectiveness. If an electronic record is a
controllable electronic record under this article, Section 307.2 of the
Electronic Signatures and Records Act (State Technology Law 301 et seq.)
shall not impair the enforceability or effectiveness of such electronic
record under this article nor shall such Act cause such controllable
electronic record to be governed by Article 3 rather than this article,
except to the extent the electronic record expressly provides otherwise
or was created prior to the effective date of this article.

* NB Effective June 3, 2026